Considerations when deciding how much life insurance you need
The coverage you pick depends on the expenses you expect your family to encounter.
What kind of life insurance is right for you?
Term Life Insurance
Traditional Term Life fits your needs & budget
Traditional Term Life Insurance may be a cost-effective way for those wanting coverage for 30 years or less, people looking to cover a mortgage or college education, young families on a budget, and others. AAA members save 10% on monthly premiums.
Traditional Term Life, 10-year level3
$500,000 coverage
Monthly rates for AAA members (super preferred, non-nicotine)
Age | Male | Female |
20-25 | $16.23 | $15.05 |
26-35 | $16.63 | $15.44 |
40 | $22.57 | $20.59 |
45 | $36.03 | $31.68 |
50 | $57.81 | $43.16 |
55 | $89.10 | $65.34 |
60 | $147.31 | $96.23 |
65 | $256.61 | $158.79 |
Rates effective as of October 24, 2020
Whole Life Insurance
Lifetime insurance with rates that will never change
Whole Life Insurance builds cash value with locked-in rates that never change. With coverage ranging from $30,000 to $75,000, it can assist with final expenses and debts, supplement a Term Life Insurance policy, and provide additional income. There’s no medical exam for those who qualify and AAA members save 10% on monthly premiums.
Whole Life Insurance4
$30,000 coverage
Automatic monthly rates (standard, non-nicotine)
Age | Male | Female |
35 | $47.42 | $43.55 |
45 | $64.34 | $59.38 |
55 | $91.43 | $81.35 |
65 | $141.68 | $121.96 |
AAA member discounted rates effective as of July 3, 2019
AAA Life Insurance services & tools
Get a free life insurance needs assessment
Get help deciding what coverage is best for your needs with a free analysis. AAA Life and its agents do not provide tax, legal, or financial advice.
